Loss of a job means another big problem: the loss of health insurance and no way to medical care in a time that 15 percent of blacks are unemployed pay, struggling to find work. But there are some things you can do to avoid this situation or prepare for this. C. Broker
SBIS Steven Tucker, of the Wall Street Journal and Fortune Small Business Magazine said, led us through it.
SBIS Steven Tucker, of the Wall Street Journal and Fortune Small Business Magazine said, led us through it.
If you now afraid of Consider a health savings account (HSA) qualified high deductible health plan (HDHP) if you are unemployed and health insurance. Tucker noted that possible with the highest deductible. Although it may go against your natural reaction, the choice of a higher deductible is a measure to save money in the long term. This is the lowest price for insurance against catastrophic medical costs, said Tucker, while can build a unified tax deferred taxes, the charge for medical relevance IRA without penalties to withdraw emergency care.
Try to maintain a balance between the four major variables: the desires, needs, risks and costs before you spend your money, said Tucker. Not Pay for a service you want, but I need also a co- payment under the. income that you do not do it does not weigh the risk of an emergency against the cost of paying a higher deductible. The sound of a high deductible can be frightening especially if you have no income, but the best option. You can easier to raise money to pay bills smaller high quality, and protect against the crushing of a huge project right doctor.
Check out the cover of the Veterans Health Administration, if you as you are a veteran.
Consider your options: You can start your own business? If you and another employee to work for you as a business, you may be entitled to vote on a group.
If you are concerned, you could lose your job and health insurance in the future? Consider your options for insurance at this time. If you are all very concerned for his safety in the workplace, health insurance Remember, the problems they face later on add, after losing his job.
Do your research on the costs and benefits, but especially if you are worried about a pre-existing condition itself. If you are an existing condition that would not do to insure the individual major medical market Tucker contact point with your human resources department to find out what your COBRA premiums would be as long as you feel comfortable.
. Look into purchasing a single policy of insurance on the open market, unless you have a pre-existing condition that makes COBRA an unrealistic option.
. Find an insurance broker in good health. Tucker said that this should be your first priority. It costs you can have no more than a broker with an experienced and trusted, says all health insurance premiums already by the various insurance companies before the product be approved for sale in your state determined. So it is much safer to buy your insurance through a broker (WHO) to exclusions and limitations of coverage hides what a devastating bear and protect completely unnecessary expenses can.